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    <h3 style="margin-top: 5rem;">Terms & Conditions</h3>
    <p>Vasuki Information Fintech Private Limited, whose registered office is situated at  8-3-231/b/124, 1st floor, Sri Krishna Nagar,Yousfguda,Hyderabad,Hyderabad,Telangana,india,500045
        IN (hereinafter shall be referred to as"RupeeMama" or "Company" or "us" or "we" are the owner of the mobile application by the name
        RupeeMama ("App") and website at www.rupeemama.in ("Website") (App and Website are hereinafter together
        referred to as the "Platform").
    </p>


    <p>As a user ("User" or "You") of the Platform, You understand that Platform provides access between multiple Users
        in the form of consumers, financial institutions, data partners and other partners lenders, borrowers, service
        providers etc. with a view to facilitate lending and borrowing activities, including providing other financial
        products i.e. insurance products, credit cards etc. between the Users.
    </p>


    <p>It is hereby clarified that the term "Users" shall mean any person using the Platform i.e. consumers, financial
        institutions, regulated entities, data partners and other partners. Your use of this Platform implies that You
        have read, understood and agreed to abide by following, disclaimer, terms & conditions ("Terms & Conditions").
    </p>


    <p>These Terms & Conditions read together with our privacy policy govern Your usage of the Platform and the terms
        for the purchase of the Products from the Platform (“Product”). If You disagree with any part of these Terms &
        Conditions, please do not use the Platform.
    </p>


    <p>Please read these Terms & Conditions carefully before accessing or using our Platform. By accessing or using any
        part of the Platform, You agree to be bound by these Terms & Conditions. If You do not agree to all the terms
        and conditions of this agreement, then You may not access the Platform or use any services provided by Us.
    </p>


    <p>1. GENERAL
    </p>


    <p>The App provides access to an online platform bringing together consumers, financial institutions, data partners
        and other partners willing to abide by the Terms & Conditions herein. RupeeMama is merely a facilitator
        providing the Platform for any person in need of financial products. RupeeMama provides various kind of personal
        loan products as specifically detailed under Clause 2 to its Users.
    </p>


    <p>RupeeMama is merely facilitates a transaction between two such persons (i.e. Users). RupeeMama is not an
        organization registered with the Reserve Bank of India and does not hold any license to engage in any activities
        relating to lending or borrowing. RupeeMama is not a Financial Institution under the Companies Act, 2013 or the
        Banking Regulation Act, 1949 or any other laws for the time being in force in India. RupeeMama is also not a
        deposit taking company or a chit fund or a company offering any investment schemes as per the rules and
        regulations for the time being in force in India.
    </p>


    <p>RupeeMama is a service provider facilitating the access between financial institutes and non-banking finance
        companies willing to lend and person in need of borrowing. The final decision as regards lending and borrowing
        is also subject to the choice of the respective Users in their respective capacities as lenders / borrowers /
        users of other financial products as set out in the Platform. RupeeMama, through its Platform displays various
        products provided by its partners or third parties. In addition to the foregoing, RupeeMama also provides
        certain other services with respect to data analytics subject to these Terms & Conditions.
    </p>


    <p>In the event You wish to avail any of the Products displayed on the Platform, You will be required to provide
        certain information and our representatives may contact You through phone or email to understand Your
        requirements.
    </p>


    <p>RupeeMama provides various services, including but not limited to (“Services”):
    </p>


    <p>1.Facilitating purchase and sale of Product between the Users on its Platform;
    </p>
    <p>2.Assisting its customers to obtain a Product from various banks who are partnered with RupeeMama;
    </p>
    <p>3.Assisting its Users to obtain their credit report through authorized agents partnered with RupeeMama. RupeeMama
        will monitor and update the credit report obtained by the customer through the use of the Platform as and when
        RupeeMama receives such report from the authorized agents;
    </p>
    <p>4.RupeeMama receives such report from the authorized agents;
    </p>
    <p>5.Provision of support to the Users in verifying the financial capabilities of Users;
    </p>
    <p>6.RupeeMama will provide you with income and spend analysis through its integration with service provider.
    </p>
    <p>In the event You have registered Your phone number on the ‘Do Not Disturb’ registers with Your network provider,
        You shall ensure to take all steps to enable the Company’s representative’s to contact You via phone to provide
        details about different financial products and You shall ensure that such calls received by You are pursuant to
        You providing Us with information and You shall not register a compliant with the relevant authorities for the
        same.
    </p>
    <p>For the provision of the above mentioned Services, RupeeMama will be using and sharing the information of the
        User with multiple financial institutions and other parties, as may be required for the purpose mentioned above
        and RupeeMama shall also run multiple credit checks to be able to get the best available offers to suit the
        needs of the Users. The collection, storing, use and transfer of information shared by the User shall be
        governed in accordance with the Privacy Policy.
    </p>


    <p>2. ELIGIBILITY
    </p>


    <p>The User of this Platform unequivocally declares and agrees that the User is a natural / legal person who has
        attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is
        allowed to utilize the Services in accordance with the terms and conditions detailed hereinafter. By registering
        on the Platform, the User hereby undertakes to agree and abide by the Terms & Conditions detailed herein. If the
        User violates any of these Terms & Conditions, or otherwise violates an agreement entered into through the
        medium of the Platform, RupeeMama may terminate the User’s membership, delete his/her profile and any content or
        information posted online by the User on the Platform and / or prohibit the User from using or accessing the
        Platform at any time in its sole discretion, with or without notice, including without limitation if Credit
        Bazar believes that User is under the age of 18 years.
    </p>


    <p>3. ACCEPTANCE OF TERMS AND CONDITIONS
    </p>


    <p>As a User of this Platform, You have agreed to the Terms & Conditions provided hereunder or anywhere else on this
        Platform including but not limited to disclaimers on this Platform. You are advised to read and understand the
        said Terms & Conditions and in case You do not wish to agree to these Terms & Conditions, please refrain from
        using the Platform.
    </p>


    <p>RupeeMama reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms &
        Conditions, at any time without any prior written notice to the User. It is the User’s responsibility to review
        these Terms & Conditions periodically for any updates/ changes. User’s continued use of the App or Website
        following the modification of these Terms and Conditions will imply the acceptance by the User of the revisions.
    </p>


    <p>4. YOUR ACCOUNT
    </p>


    <p>If You wish to use the Platform, You are required to maintain an account and will be required to furnish certain
        information and details, including Your name, email id, contact number and any other information deemed
        necessary by RupeeMama and as further detailed in the Privacy Policy. You are responsible for maintaining the
        confidentiality and security of Your account, password, activities that occur in or through Your account and for
        restricting access to Your computer to prevent unauthorized access to Your account. You agree to accept
        responsibility for all activities that occur under Your account or password. You should take all necessary steps
        to ensure that the password is kept confidential and secure and should inform us immediately if You have any
        reason to believe that Your password has become known to anyone else, or if the password is being, or is likely
        to be, used in an unauthorized manner. Please ensure that the details You provide Us with are true, correct,
        accurate and complete. Upon RupeeMama gaining knowledge of having any reasonable suspicion that the information
        provided by You is wrong, inaccurate or incorrect, RupeeMama shall immediately terminate Your account without
        any notice to You in this regard. In the event of any changes to the information shared by You at the time of
        registering Yourself on the Platform, You shall be responsible for forthwith notifying the said changes to Us.
    </p>


    <p>You can access and update most of the information You provided us on the ‘dashboard’ area of Your account after
        You log-in or by writing to Us at VasukiInformation@gmail.com. The right to use this Platform is personal to the User
        and is not transferable to any other person or entity.
    </p>


    <p>You shall at all times abide by the Terms and Conditions stated herein and any breach of these conditions may
        also lead to RupeeMama terminating Your account and appropriate civil and criminal remedies will be sought
        against You as provided under the laws of India.
    </p>


    <p>5. PRIVACY
    </p>


    <p>RupeeMama collects certain information from You in order to provide the Services. RupeeMama’s use of Your
        personal information is governed in accordance with the Privacy Policy.
    </p>


    <p>6. LICENSE AND ACCESS
    </p>


    <p>RupeeMama grants You a limited license to access and use the Platform for availing the Services, but not to
        download any material from it (other than page caching) or modify it, or any portion of it. Any unauthorized access to the
        Platform or any networks, servers or computer systems connected to Platform and any attempt to modify, adapt,
        translate or reverse engineer any part of the Platform or re-format or frame any portion of the pages of the
        Platform, save to the extent expressly permitted by these Terms & Conditions, is not permitted. This license is
        non-transferable and does not permit any resale or commercial use of this Platform or its contents; any
        downloading or copying of account information for the benefit of anyone other than Your use; or any use of data
        mining, robots, or similar data gathering and extraction tools. The Platform or any portion of the Platform
        (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be
        reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial
        purpose without express written consent of RupeeMama and / or its affiliates, as may be applicable. Any
        unauthorized use of the Platform shall terminate the permission or revoke the license granted by RupeeMama.
    </p>
    <p>You are permitted to use content delivered to You through the Service only on the Service. You may not copy,
        reproduce, distribute, or create derivative works from this content. Further, You agree not to reverse engineer
        or reverse compile any of the Service technology, including but not limited to, any Java applets associated with
        the Service.
    </p>


    <p>7. MONITORING OF THE PLATFORM AND YOUR ACCOUNT
    </p>


    <p>RupeeMama has the right and liberty to monitor the content of the Platform at all times which shall include
        information provided in Your account. The monitoring of the Platform / Platform is important to determine the
        veracity of the information provided by You and that every User remains in consonance with the Terms &
        Conditions provided herein. Subject to the Terms & Conditions mentioned herein, RupeeMama shall also have the
        liberty to remove any objectionable content which is in contravention of the Terms & Conditions herein or share
        such information with any governmental authority as per procedures laid down by the law for the time being in
        force in India.
    </p>


    <p>We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or
        indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded
        the preset limit mutually agreed by us with our acquiring bank from time to time.
    </p>


    <p>8. SERVICE SUSPENSION
    </p>


    <p>RupeeMama may wish to stop providing the Services, and may terminate use of it at any time without giving notice
        of termination to You.and (b) User must stop using the Platform forthwith. RupeeMama
        reserves the right to suspend or cease providing any Service and shall have no liability or responsibility to
        the User in any manner whatsoever if it chooses to do so.
    </p>


    <p>9. PROHIBITED USES
    </p>


    <p>In addition to other prohibitions as set forth in the Terms & Conditions, You are prohibited from using the
        Platform: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts;
        (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances;
        (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
        (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender,
        sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or
        misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may
        be used in any way that will affect the functionality or operation of the Service or of any related website,
        other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish,
        pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or
        circumvent the security features of the Service or any related website, other websites, or the Internet. We
        reserve the right to terminate Your use of the Service or any related website for violating any of the
        prohibited uses.
    </p>


    <p>10. LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES
    </p>


    <p>To the maximum extent permitted by law, You waive,
        release, discharge and hold harmless RupeeMama, its affiliated and subsidiary companies, and each of their
        directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and
        causes of action arising out of Your use of the Platform.
    </p>


    <p>As a User, You also acknowledge that RupeeMama has maintained and carried out all possible checks and balances to
        assure the credibility of the Users as listed on the Platform. The information provided on the Platform is based
        on the information that is provided to RupeeMama.
        RupeeMama in any event is not responsible for any default in return of money that is borrowed from the lender
        and the lender shall have the exclusive right to initiate proceedings against the defaulter borrower. RupeeMama
        shall to the best of its abilities aid the concerned User in terms of provision of information to initiate any
        legal proceedings. However, RupeeMama shall not be responsible for any default on behalf of the User. RupeeMama
        is an information platform and the User is entitled to conduct its own diligence before taking any steps to
        initiate the processes outlined in the Website.
    </p>


    <p>RupeeMama does not make any representations or warranties on behalf of the financial service providers, banks or
        NBFCs partnered with respect to the financial products / loans provided by such partners.
        RupeeMama shall be responsible only to the extent of providing the Services and all liabilities and obligations
        of the customers / User with respect to the financial products provided by the partners shall be governed by the
        separate agreement executed between such financial partners and the customers and RupeeMama shall have no
        liability in this regard whatsoever.
    </p>


    <p>RupeeMama makes no representations or warranties about the accuracy, reliability, completeness, current-ness
        and/or timeliness of any content, information, software, text, graphics, links or communications provided on or
        through the use of the Platform or that the operation of the Platform will be error free and/or uninterrupted.
        and/or any interruption or errors in the operation of the Platform. This
        limitation of liability clause shall prevail over any conflicting or inconsistent provision contained in any of
        the documents / content comprising this Terms & Conditions. It is up to You to take precautions to ensure that
        whatever You select for Your use is free of such items as viruses, worms, malware, Trojan horses and other items
        of a destructive nature.
    </p>


    <p>YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES)
        INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS
        AVAILABLE" BASIS. COMPANY EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION,
        PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER
        EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
        PARTICULAR PURPOSE AND NONINFRINGEMENT. COMPANY MAKE NO WARRANTY THAT: (i) THE SERVICE WILL MEET YOUR
        REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY
        BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS,
        SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR
        EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED AND YOU ARE SOLELY RESPONSIBLE FOR ANY
        DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR
        INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR SERVICE PROVIDER THROUGH OR FROM THE
        SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
    </p>


    <p>YOU FURTHER AGREE THAT NEITHER COMPANY OR THIRD PARTY SERVICE PROVIDER NOR ANY OF THEIR AFFILIATES, ACCOUNT
        PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT,
        INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR
        LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF COMPANY OR SERVICE PROVIDER HAS BEEN
        ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE /
        PLATFORM; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR
        SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE;
        (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE ON
        THE SERVICE; EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY
        OTHER MATTER RELATING TO THE SERVICE. THE MAXIMUM LIABILITY OF RupeeMama SHALL BE LIMITED TO THE AMOUNT ACTUALLY
        PAID BY YOU TO THE COMPANY FOR THE SERVICE.
    </p>


    <p>11. INDEMNITY
    </p>


    <p>You agree to indemnify, save, and hold RupeeMama, its affiliates, contractors, employees, officers, directors,
        agents and its third party associates, licensors, and partners harmless from any and all claims, demands,
        losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses,
        arising out of or related to Your use or misuse of the Services or of the Website or App or Platform, any
        violation by You of these Terms & Conditions, or any breach of the representations, warranties, and covenants
        made by You herein or Your infringement of any intellectual property or other right of any person or entity, or
        as a result of any threatening, libelous, obscene, harassing or offensive material posted/ transmitted by You on
        the Platform.  RupeeMama will use reasonable efforts to
        notify You of any claim, action, or proceeding brought by a third party that is subject to the foregoing
        indemnification upon becoming aware of it. This paragraph shall survive termination of this Terms & Conditions.
    </p>


    <p>12. ADVERTISERS/ THIRD PARTY LINKS ON THE PLATFORM
    </p>


    <p>RupeeMama accepts no responsibility for advertisements contained within the Platform. RupeeMama has no control
        over and accepts no responsibility for the content of any website or mobile application to which a link from the
        Platform exists. Such linked websites and mobile applications are provided “as is” for User’s convenience only
        with no warranty, express or implied, for the information provided within them. RupeeMama does not provide any
        endorsement or recommendation of any third party website or mobile application to which the Platform provides a
        link. Further, the Users consent and agree that the content provided in the Website and the App shall be synced
        and shall be available in both mediums.
    </p>


    <p>13. USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
    </p>


    <p>If, at RupeeMamama’s request, You send certain specific submissions (for example contest entries) or without a
        request from Us, You send creative ideas, suggestions, proposals, plans, or other materials, whether online, by
        email, by postal mail, or otherwise (collectively, 'comments'), You agree that We may, at any time, without
        restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that You
        forward to Us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay
        compensation for any comments; or (3) to respond to any comments.
    </p>


    <p>You agree that Your comments will not violate any right of any third-party, including copyright, trademark,
        privacy, personality or other personal or proprietary right. You further agree that Your comments will not
        contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other
        malware that could in any way affect the operation of the Service or any related website. You may not use a
        false e-mail address, pretend to be someone other than Yourself, or otherwise mislead Us or third-parties as to
        the origin of any comments. You are solely responsible for any comments You make and their accuracy. We take no
        responsibility and assume no liability for any comments posted by You or any third-party.
    </p>


    <p>You are licensing to the Company and its service providers, any information, data, passwords, materials or other
        content (collectively, “Content”) You provide through or to the Service. Company and service provider of Company
        may use, modify, display, distribute and create new material using such Content to provide the Service to You.
        Company and Service Provider may also use, sell, license, reproduce, distribute and disclose aggregate,
        non-personally identifiable information that is derived through Your use of the Service. By submitting Content,
        You automatically agree, or promise that the owner of such Content has expressly agreed that, without any
        particular time limit, and without the payment of any fees, Company and its third party service provider may use
        the Content for the purposes set out above. As between Company and third party service provider, Company owns
        Your confidential account information.
    </p>


    <p>14. ACKNOWLEDGEMENTS
    </p>


    <p>You acknowledge that RupeeMama is a platform bringing Users together and that the RupeeMama is not engaged in
        either grant of loan or borrowing any money or assistance for any financial products from any member using the
        Platform. You acknowledge that the use of the financial products is entirely based on the
        negotiations between the Users and third party and neither RupeeMama nor its affiliates, contractors, employees,
        officers, directors, agents and their third party associates, licensors and partners have any interest with
        regard to any financial products assistance procured by or to a registered User. You acknowledge that RupeeMama
        will not be responsible for any claim or damage in case of use of the financial products. RupeeMama in no manner
        warrants or guarantees the performance of a third party service provider that is providing services through the
        App. You acknowledge that RupeeMama in no manner guarantees that the Users have provided all the information on
        this App which is true and correct including his address, phone numbers etc. You acknowledge that it is Your
        responsibility to verify the information about the person on the Platform and RupeeMama is in no manner liable
        if the information provided on this App is untrue or incorrect. You acknowledge that RupeeMama is in no manner
        responsible for any claim of money or damages in the event one person fails to either grant loan or a person
        fails to repay the loan or misrepresents his financial status or commits a fraud or cheating or any other such
        illegal act.
    </p>


    <p>15. APPLICABLE LAWS

    </p>

    <p>Your use of this Platform and any Term & Conditions stated in this agreement is subject to laws of India. In case
        of any disputes arising out of the use of the Website, Courts of Bangalore will have exclusive jurisdiction.
    </p>


    <p>16.POLICYS


    </p>
    <p>Refund and Cancellation Policy
    </p>
    <p>Our focus is complete customer satisfaction. In the event, if you are displeased with the services provided, we
        will refund back the money, provided the reasons are genuine and proved after investigation. Please read the
        fine prints of each deal before buying it, it provides all the details about the services or the product you
        purchase.
    </p>
    <p>In case of dissatisfaction from our services, clients have the liberty to cancel their projects and request a
        refund from us. Our Policy for the cancellation and refund will be as follows:
    </p>
    <p>Cancellation Policy
    </p>
    <p>For Cancellations please contact us from the contact us page.
    </p>
    <p>Requests received later than 2 business days prior to the end of the current service period will be treated as
        cancellation of services for the next service period.
    </p>
    <p>Refund Policy
    </p>
    <p>We will try our best to create the suitable design concepts for our clients.
    </p>
    <p>In case any client is not completely satisfied with our products we can provide a refund.
    </p>
    <p>If paid by credit card, refunds will be issued to the original credit card provided at the time of purchase and
        in case of payment gateway name payments refund will be made to the same account.
    </p>


    <p>17. GRIEVANCES</p>


    <p>Users have complete authority to file a complaint/ share feedback if they are disappointed by services rendered
        by RupeeMama. They can give their complaint/ feedback in writing or by way of an email to the following:</p>


    <p>Grievance Officer: Mr. Mahesh Anand</p>


    <p>Email: VasukiInformation@gmail.com</p>

    <br/>
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